Many people think that it is easier to save more when you start earning more.
许多人认为，当你开始赚更多钱的时候，才更容易存更多的钱。
Although that might be true, there are opportunity costs you incur when you only start saving more after you earn more in the future.
虽然这可能是真的，如果你只在挣得更多时才开始存钱，那么将会浪费一些机会成本。
It might be difficult to save a significant portion of your income when you earn a relatively low salary.
当你的工资相对较低时，你可能很难把收入的大部分存起来。
This is especially so when you are still studying or when you first enter the workforce.
尤其是当你还在学习的时候，或者当你第一次进入职场的时候。
Although you might not have any major bills or big-ticket items to pay for at the moment, you should still save up to buy a house, to build an emergency fund or to pay for your holiday overseas.
Earning more is always a boost to your financial situation.
赚得多总是对你的财务状况改善有促进作用。
However, saving prudently should not only come about when you begin to earn more.
然而，谨慎储蓄不应该只发生在你开始赚更多钱的时候。
Here’s why you cannot think of saving only when you earn more.
以下是为什么你不能只有在你赚得更多的时候才想到存钱。
Different Responsibilities
不同的责任
When you start earning more, it usually comes with more responsibilities you are likely to be in a different stage of life compared to when you were younger and earning less.
当你开始赚更多钱的时候，通常会有更多的责任，与你年轻时赚的少那会儿相比你可能正处于人生的不同阶段。
You might have housing loans to pay for, bills to settle, children to provide for and your elderly parents are in retirement and reliant on your income.
你可能会有住房贷款来支付，账单要结算，孩子要抚养，你年迈的父母退休需要你的收入来赡养。
A higher salary at that point would only go towards paying for these essentials rather than into your savings.
在那个时候，你赚到的高薪水只会花在这些必需品上，而不是存进你的积蓄里面。
Hence your capacity to save might be much lower, in spite of the higher salary that you earn.
因此，你的储蓄能力可能要低得多，尽管你的薪水更高。
Habits Are Difficult To Change
习惯很难改变
Your monthly expenses are affected by the type of lifestyle you lead.
你每月的支出会受到你生活方式的影响。
Whether its 10 per cent, 20 per cent or 50 per cent of your salary, saving what you can early on in your career creates a habit of saving a portion of your income.
无论10%、20%还是50%的薪水，在你的职业生涯早期，你都可以节省你的一部分收入。
Even if this means having to lead a more frugal lifestyle and having to put off an indulgent purchase to a later date, it would help you accumulate a good amount of savings for the future.
Rather than getting used to spending a large portion of your salary, saving a portion of your income from a younger age creates a good habit for yourself to follow in the future.
Starting to save even when you have a small salary would help you create a safety net for yourself to fall back on.
即使你的薪水很低，你也可以开始存钱，这样你就可以为自己建立一个安全网。
Should an unfortunate situation arise such that you require a large amount of money, your emergency funds would help you tide over difficult times, especially when you find yourself out of a job.
如果你需要一大笔钱，你的应急基金就会帮你渡过困难时期，特别是当你失业的时候。
What you do with the money you save is also important.
当然你如何利用你的存款也很重要。
Rather than have it sit in a bank with less than 1 per cent interest, you should start your investing journey as early as possible.
